Federal Reserve Bank of St. Louis
and Melzer, Thomas C.
"Public Policy Considerations in View of the Payments System as a Network."
September 19, 1996,
https://fraser.stlouisfed.org/content/?item_id=18797&filepath=/files/docs/historical/frbsl_history/presidents/melzer/melzer_1996nd.pdf, accessed on May 24, 2018.